I am using Citi bank Indian oil card for the past 7 years. No hassles till now. They give 4 reward points for every Rs. 150 spent at IOC pumps and 1 point for normal transactions. Each point is worth of Rs. 1 of fuel which can be redeemed to tank up at the IOC pumps.

To record for the bad experience, I can quote my experience with SBI Card. Pathetic service coupled with heavy charges. I was indeed surprised that why is SBI doing this. After some research found that the card business of SBI is handled by GE Money and not SBI directly.

Im using Citibank Indian Oil card for 6years now.Really no hassles at all.I get turbo points when I fill at indian oil outlets i.e for every 150/- spent i get 4 turbo points.I have around 2500 odd turbo points still to be redeemed :-D Apart from that Citibank really offers great deals on Resto's and dining outlets on weekdays but.

Out of the lot frequently I use Citi Cash back & HDFC World card. Of the lot, I have experienced best customer service from Citi & HDFC. I felt options for points redemption for HDFC are also quite good. They have lot of choices to choose from. HDFC World card provides free access to Airport lounges as well.

I am having HDFC Visa Signature. Excellent experience so far. I do get the fuel surcharge waiver, and this year they have declared a 4 month payment holiday - means I can pay bills from November in March without any interest.